| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS | 280 E CORP DR #200 MERIDIAN, ID 83642 | REGENCE BLUESHIELD OF IDAHO | $81K | $22K | $103K | 3.50% |
| RICHARD SEEHAWER3 | PO BOX 99 MERIDIAN, ID 83680 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | — | $35K | 12.55% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS | PO BOX 370 MERIDIAN, ID 83680 | DELTA DENTAL | $6K | $25K | $31K | 16.01% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS | PO BOX 370 MERIDIAN, ID 83680 | WILLAMETTE DENTAL | $6K | $13K | $19K | 16.95% |
| RICHARD SEEHAWER3 | 450 W STATE ST #125 BOISE, ID 83680 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 640 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 640 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO | 640 | $2.9M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL | 244 | $305K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $278K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $278K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 396 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.